The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$25,587
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$26,383
−HK$809/mo
Today · 4.125%
HK$27,192
baseline
▲ 0.50% · 4.625%
HK$28,846
+HK$1,654/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$54,384/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,465
−HK$1,538/mo
▼ 0.25% · 3.875%
HK$29,229
−HK$774/mo
Today · 4.125%
HK$30,003
baseline
▲ 0.50% · 4.625%
HK$31,585
+HK$1,582/mo
Deposit HK$5.61M · loan HK$5.61M · min. income ≈ HK$60,006/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$420,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,704
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,660
−HK$970/mo
Today · 4.125%
HK$32,630
baseline
▲ 0.50% · 4.625%
HK$34,615
+HK$1,985/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$65,260/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,158
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,075
−HK$929/mo
Today · 4.125%
HK$36,004
baseline
▲ 0.50% · 4.625%
HK$37,902
+HK$1,898/mo
Deposit HK$4.49M · loan HK$6.73M · min. income ≈ HK$72,008/mo (50% DSR)
Upfront cash ≈ HK$4.91M (deposit + AVD stamp duty HK$420,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,822
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,936
−HK$1,132/mo
Today · 4.125%
HK$38,068
baseline
▲ 0.50% · 4.625%
HK$40,385
+HK$2,317/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$76,136/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,851
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,920
−HK$1,085/mo
Today · 4.125%
HK$42,005
baseline
▲ 0.50% · 4.625%
HK$44,219
+HK$2,214/mo
Deposit HK$3.37M · loan HK$7.85M · min. income ≈ HK$84,010/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$420,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,057
−HK$2,888/mo
▼ 0.25% · 3.875%
HK$47,489
−HK$1,456/mo
Today · 4.125%
HK$48,945
baseline
▲ 0.50% · 4.625%
HK$51,923
+HK$2,978/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$97,890/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,238
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$52,612
−HK$1,394/mo
Today · 4.125%
HK$54,006
baseline
▲ 0.50% · 4.625%
HK$56,853
+HK$2,847/mo
Deposit HK$1.12M · loan HK$10.10M · min. income ≈ HK$108,012/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$420,793 · Scale 2, in force from 26 Feb 2026)